• The TUGBBS forums are completely free and open to the public and exist as the absolute best place for owners to get help and advice about their timeshares for more than 29 years!

    Join Tens of Thousands of other Owners just like you here to get any and all Timeshare questions answered!
  • TUG started 29 years ago in October 1993 as a group of regular Timeshare owners just like you!

    Check out our happy birthday post here: Happy Birthday TUG!
  • TUG has a YouTube Channel to produce weekly short informative videos on popular Timeshare topics!

    Come check it out for a chance to win a Free TUG membership (or renewal) just for helping out!

    Read more here
  • TUG has now saved timeshare owners more than $20,000,000 dollars just by finding us in time to rescind a new Timeshare purchase! A truly incredible milestone!

    Read more here: TUG saves owners more than $20 Million dollars
  • Our 2022 Timeshare Survey is now complete and the full results as well as our expert and witty analysis of each question is available here: Here We hope you enjoy reading the results as much as we did!
  • Follow the TUG Member Banner as it travels the world on vacation with Timeshare owners! Also sign up to get the banner sent to you so you can submit a photo of your vacation with the banner to share with TUG! Banner Thread
  • Sign up to get the TUG Newsletter for free! 50,000+ subscribers! Latest resort reviews and the most important topics discussed by owners during the week!
  • Our official "end my sales presentation early" T-shirts are available again! Also come with the option for a free membership extension with purchase to offset the cost!

    Read more Here
  • A few of the most common links here on the forums for newbies and guests!

Recind-CC dispute question

Joined
Jan 8, 2009
Messages
3
Reaction score
0
Points
1
Location
Spring,TX
Hello All,
Another Recinder here with a question regarding our credit card dispute.

Capital One, is asking us for these items to be mailed to them in support of our dispute.

1. return reciepts or proof of return
--USPS reciept with postmark--(we have this postmarked within recission period)
2. additional docs
--emails sent, statments, etc--(we have these)
3. merchant's refund policy
--complete set of contract docs--(we have this too)

4. A second opinion from a similar merchant, on company letterhead and signed by the person who provided the opinion

-- How do we go about getting a second opinion? Has anyone dealt with a credit card dispute that asked for something like this? Is there anyone on the board who might beable to provide us with a signed second opinion?

Im not exactly certian that this is actually needed, since we did recind the contract within our 5 days period. But the credit card company did ask, so I wanted to see if this is common practice.

thanks in advance,
-CD
 

DeniseM

Moderator
Joined
Jun 6, 2005
Messages
56,851
Reaction score
7,932
Points
1,849
Resorts Owned
WKORV, WKV, SDO, Kauai Beach Villas, Island Park Village (Yellowstone), Hyatt High Sierra.
Welcome to TUG! :hi:

Is the seller refusing to honor your rescission? They should refund your money to your credit card - you shouldn't have to dispute it with your credit card, unless the seller refuses to honor the rescission. What resort did you rescind?

Personally, I think #4 is bogus. Instead, I would send a copy of the rescission law for the state where you bought. Someone here can probably help you with that if you give us a little more info.
 
Joined
Jan 8, 2009
Messages
3
Reaction score
0
Points
1
Location
Spring,TX
Welcome to TUG! :hi:

Is the seller refusing to honor your rescission? They should refund your money to your credit card - you shouldn't have to dispute it with your credit card, unless the seller refuses to honor the rescission. What resort did you rescind?

Personally, I think #4 is bogus. Instead, I would send a copy of the rescission law for the state where you bought. Someone here can probably help you with that if you give us a little more info.

Yes, although we have proof that the documents were mailed back within the 5 day period AND notified the seller by email, The Enchantment Residence Club in Los Cabos, is claiming that we did not cancel the contract in time.

The Enchantment is a new development of the The Mamann Group, which seems to be a relatively new company. The property was very nice, and we wouldn't have canceled the contract if we hadn't found out we had been lied to.

When we got home, we started planning our next vacation and began looking into exhanges. The Enchantment included a 2-year membership in II as part of the purchase agreement. However, when I contacted II, I found out that the Enchantment is not listed with II.

From there everything else started to unravel, and when we tried to get answers to questions, they were not forthcoming.

Lucky for us, like many others, we found this forum :)
 

DeniseM

Moderator
Joined
Jun 6, 2005
Messages
56,851
Reaction score
7,932
Points
1,849
Resorts Owned
WKORV, WKV, SDO, Kauai Beach Villas, Island Park Village (Yellowstone), Hyatt High Sierra.
OK - since this is a Mexico timeshare, I'm moving your post to the Mexico Board where you will get expert help. There is an agency that deals with Mexican Timeshare problems and you need to contact them ASAP. See the posts at the top of the Mexico board for all the info.

Good luck!
 
Joined
Jan 8, 2009
Messages
3
Reaction score
0
Points
1
Location
Spring,TX
Hi Denise, Hi Tom,

Thanks for the quick resposne. We spent a couple of long evenings scouring the tug bbs, before taking any actions.

We learned about PROFECO from this site. The "Scammed by Mayan Palace..." by nyc149 was especially helpful. The day we returned the docs, we filed a dispute with the cc company and started the paperwork for the claim with PROFECO.

Much of the documentation we collected for the PROFECO claim is also being sent to the cc company. I think we have enough supporting documentation, but I was concerned about the "second opinion" thing.
 

FlyerBobcat

TUG Review Crew
TUG Member
Joined
Nov 3, 2008
Messages
1,486
Reaction score
3
Points
248
Location
Central Ohio
Much of the documentation we collected for the PROFECO claim is also being sent to the cc company. I think we have enough supporting documentation, but I was concerned about the "second opinion" thing.

Sounds like you're well on your way..... Good luck!
 

Dave M

TUG Lifetime Member
Joined
Jun 16, 2004
Messages
12,242
Reaction score
11
Points
623
Location
Sun City Hilton Head, SC
You should send the docs that you do have to the credit card company. Ignore the 4th item. Send a very short letter along with the docs (or fill out the form they sent to you) that shows (1) where the cancellation policy wording is and (2) references your return receipts that prove you canceled within the allowable timeframe.

Make it easy for the credit card company. If they have to hunt for the relevant info, they might miss the important stuff.

But keep it short. Too much writing and they might glaze over the important stuff.
 

theo

TUG Review Crew: Veteran
TUG Member
Joined
Mar 21, 2007
Messages
8,913
Reaction score
2,104
Points
648
Location
New England Coast
What's in YOUR wallet...???

4. A second opinion from a similar merchant, on company letterhead and signed by the person who provided the opinion

You've already received some good input and guidance on how to proceed.

When all is said and done and you have successfully resolved this matter, I'd say GOODBYE to this credit card issuer. The (above quoted) artificial hurdle which they attempted to place in your path is unreasonable and unnecessary. The right to rescind is a matter of well established law.
A "second opinion from a similar merchant" is totally meaningless and completely irrelevant --- even when expressed "on company letterhead".
 
Last edited:
Top